How do I find my account number(s) and WinCU routing number?

Member/Account Number
Your main member/account number can be found on the WinCU Member Card given when you opened your account. It is also used to set up online and mobile banking, which is connected to your Membership Savings account. If you don't have your Member Card, you can obtain this number by logging into Online or Mobile Banking and viewing your online statement hub under “Statements,” click on a statement, and the Member # can be found at the top right, or if you receive paper statements, it is located in the same area. If you don’t have a statement, you can call us at 920.233.9096 or visit one of our branch locations.

Checking Account Member Number 
Your Checking Account number is the second account number listed on your Membership Card. This information can also be found in the MICR line at the bottom of your checks and is the second set of bracketed numbers.

Routing Number
WinCU's routing number is 275981174. It can be found at the bottom footer of WinCU.org or on your Member Card.

What is WinCU’s Nationwide Mortgage Licensing System (NMLS) number?

The NMLS for WinCU is 407232.

How do I set up Online Banking for the first time?

To Sign-Up:

• Go to our website: WinCU.org
• Click on the “login” button located at the top right by Online Banking
• Select “Click here to Enroll”
• Complete the “Online Banking Enrollment.” Read the terms and check the box to agree
• A temporary password will be emailed to you. You will be prompted to change the password upon logging in

Follow the instructions to complete the registration. You will need the following information:

• New Username
• New Password with case sensitive, minimum eight character password containing: one capital letter, one lower case letter, one number, and one special character (! @ # $ %)
• Select and answer three questions from the provided list. You will periodically be required to answer these (answers are case sensitive)
• A confidence word that you will see every time you login

Welcome to Online Banking! Add Mobile Banking by visiting the app store.

How do I change my password in Online/Mobile banking?

Online Banking:

1. Log in to Online Banking.

1. Go to the upper right and click on the profile icon (the little person).
2. Select "Profile & Settings."
3. Scroll down to "Change Password."

Mobile Banking:

4. Log in to the Mobile Banking app.
5. Click on the menu icon (three lines) in the upper left.
6. Select "Profile & Settings."
7. Scroll down to "Change Password."

Members must create a new password that meets the following criteria:

• Minimum length of 8 characters.
• Contains one uppercase letter, one lowercase letter, one number, and one special character.

How do I set up Alerts and Reminders to notify me of transactions posted to my account or loan payments due?

Online Banking:

1. Log in to Online Banking.
2. Navigate to the top right "bell" icon.
3. Select "Manage" and then "Create Alert."

Mobile App:

4. Tap the three lines in the upper left corner.
5. Scroll down to "Account Alerts."

You can create alerts for various events such as balances, checks cleared, loan payments, maturity dates, periodic balances, personal alerts, or transactions. Email and text notifications are available, and you can name them accordingly, for example, "Low Balance Text" and "Low Balance Email." To create text alerts, check the "Notify me Email" box and add your mobile phone number starting with the area code, ending with your mobile carrier (e.g., 9205550000@vtext).

 How to get accounts renamed in Online/Mobile Banking?

Online Banking:

1. Log in to Online Banking.
2. Go to the upper right and click on the profile icon (the little person).
3. Select "Profile & Settings."
4. Scroll down to "Change Account Description."

Mobile Banking:

5. Log in to the Mobile Banking app.
6. Click on the menu icon (three lines) in the upper left.
7. Select "Profile & Settings."
8. Scroll down to "Change Account Description."

 How do you change your address in Online/Mobile Banking?

Online Banking:

1. Log in to Online Banking.
2. Go to the upper right and click on the profile icon (the little person).
3. Select "Profile & Settings."
4. Scroll down to "Change Mailing Address."

Mobile Banking:

5. Log in to the Mobile Banking app.
6. Click on the menu icon (three lines) in the upper left.
7. Select "Profile & Settings."
8. Scroll down to "Change Mailing Address."

How can I send a secure question?

• Log in to Online Banking.
• Use the secure messaging feature within the Online Banking platform to send their question.

This ensures that any communication containing private information is encrypted and secure.

 What number do I call if my WinCU VISA card is lost or stolen? What number to dispute transactions?

Debit Card
To dispute a transaction(s) on your debit card call: 833.288.1126. Please call this number 24/7 to begin the dispute process. For a lost or stolen debit card call: 800.383.8000.

Credit Card
To dispute a transaction(s) on your credit card call: 800.600.5249. Please call this number 24/7 to begin the dispute process. For a lost or stolen credit card call: 866.604.0381.

When reporting a dispute, if possible, please have:

• The date you contacted the merchant along with the merchant’s response and name of the person you spoke with.
• Tracking numbers, contracts, and/or service agreements.
• Date you returned item(s) or canceled service along with cancellation/confirmation numbers.

If I plan to travel outside of the state or country, should I notify the credit union?

Yes, members should notify us if they plan to travel outside of the state or country. Here are the steps they should follow:

• Notify Us Before Leaving: Members should inform us of their travel plans to ensure their VISA Check Card is not blocked.
• Provide a Contact Number: Make sure we have a current contact phone number to reach them in case our Fraud Department needs to question any transactions.
• Alternate Payment Options: Recommend that members take alternate payment choices such as our travel card or a credit card.

Members can contact a Member Service Representative by calling 920-233-9096 to notify us of their travel plans.

How can I order more checks?

• Click here or:
• Log in to Online Banking.
• Navigate to the "Order Checks" section.
• Follow the prompts to complete the order.

If you encounter any issues, call us at 920.233.9096 for assistance.

How do I set up an automatic loan payment?

Use Online or Mobile Banking to set up recurring automatic transfers.

• Log in to your Online or Mobile Banking account.
• Navigate to the transfer section.
• Set up the transfer details, including the amount, frequency (weekly, biweekly, twice monthly, or monthly), and the accounts involved.

For further assistance, members can contact us directly or visit one of our branches.

 How can I get a wire transfer, and what are the fees?

First, request the wire transfer form. This form is required for all outgoing wire requests.

• Complete the Form: Ensure all fields are filled out accurately, including:
• Member information (sender)
• Receiving financial institution information
• Amount to transfer
• Reason for transfer (if applicable)
• Submit the Form: The member can submit the form in person or over the phone. Note that transfers of $5,000 or higher must be signed in person.
• Pay the Fee: There is a $25.00 fee for outgoing domestic wires, $100.00 for international wires, and $10.00 for incoming domestic or foreign wires.
• Verification: Wire transfer requests must be received and verified by 3:30 pm CST for domestic wires and 1:30 pm CST for foreign wires to be processed the same day.

Ensure all necessary documentation is attached.

 Do we have a coin machine(s)?

Yes, there is a machine in the lobby of the Witzel and Snell branches. There is a small fee for non-members.

 Do we have a notary, and is there a charge for members?

Yes, there are notaries at each location. We encourage you to make an appointment to ensure a team member is available. No, it is a free service for members.

Is there a charge for cashier checks if you are a member?

Yes, there is a $2 fee.

What information will I need for my employer to set up an automatic deposit into my checking account?

To set up an ACH into a checking account, the following information is needed:

• Company or Employer Name
• Date
• Employee Name (printed)
• Full Deposit to Account Number as it appears on your account
• Account Type (circle one: Savings or Checking)
• Signature
• Financial Institution: Winnebago Community Credit Union
• Transit Routing/ABA Number: 275981174

 Please ensure that both the account number and the routing number are provided accurately to avoid any issues with the direct deposit. You can request the ACH Direct Deposit Authorization form from WinCU. Once the form is completed, you can provide it to your employer's payroll department.

How can I check the status of my tax refund?

Federal Tax Refunds can be deposited any day of the week (Monday – Friday) Federal Refund Hotline: 1-800-829-1954 or www.irs.gov

How can I check on the status of my refund?  The fastest, easiest way to find out about your current year refund is to log onto www.irs.gov. Click on Where's My Refund or you can call Refund Hotline at (800) 829-1954. Be sure to have a copy of your current tax return available because you will need to know your social security number shown on your return, the filing status and the exact whole dollar amount of our refund. 

Wisconsin Income Tax Refunds can be deposited any day of the week (Monday – Friday)

How long does it take after you've filed to receive a refund?  Typical processing times for current year return: 

• E-filed returns up to one full week from the day acknowledgment is received.
• Paper returns up to 12 weeks from the mail date.

How can I check on the status of my refund? 

• Online at  www.dor.state.wi.us Click check on your refund.
• Telephone: (608) 266-8100 in Madison, (414) 227-4907 in Milwaukee, or toll free
  (866) WIS-RFND (947-7363) for all areas

Not a current member?

Don't settle for being just a number at your current financial institution. At WinCU, we believe everyone deserves to have their dreams become a reality, and we want to help you along your financial journey. Learn more about our member promise and mission on our About Us page.